Getting letters for debts not on my credit report

debthelp1

I moved house last year and have recently been given some forwarded mail.

I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report

Cabot are claiming I owe nearly £500 for a Capital One CC. I do remember having one many years ago but tbh no idea if I paid it or not. It should be noted that Cabot are threatening to send people to my address if I fail to respond.

Lowell are claiming I owe £255 but that if I pay them £75 now, they will close the case.

I am confused because neither of these cards appear as open or closed accounts on my transunion report. I dont want to engage with them if they are just trying it on?

fatbelly

Probably defaulted more than six years ago, or just trying it on.

Send them prove-it letters

eskbanker

debthelp1 said:

I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report

[...]

I am confused because neither of these cards appear as open or closed accounts on my transunion report.

Have you checked your other credit files?  Not all providers report to all agencies....

https://www.moneysavingexpert.com/loans/check-free-credit-report/

debthelp1

eskbanker said:

debthelp1 said:

I have received letters from two different chasers (Cabot and Lowell) demanding payment for credit cards that I don't have anywhere on my TransUnion credit report

[...]

I am confused because neither of these cards appear as open or closed accounts on my transunion report.

Have you checked your other credit files?  Not all providers report to all agencies....

https://www.moneysavingexpert.com/loans/check-free-credit-report/

Clearscore has neither of them listed either

fatbelly said:

Probably defaulted more than six years ago, or just trying it on.

Send them prove-it letters

Thanks for that, please forgive my ignorance but what is a prove it letter?

Brie

Prove-it (or Provit) is on here.....

Debt-Free Wannabe Sticky - Provit & Statute Barred Letters, Defaults, Help and Guidance, All Here... — MoneySavingExpert Forum

debthelp1

Thanks @Brie

Nasqueron

Debts are statute barred after 6 years of last acknowledgment. If you are certain that you had the card but it's been more than 6 years since you last admitted or paid towards it, then you can simply use the statute barred letter if they do come back after a prove-it letter

sourcrates

The prove-it letter should be sent first, as its specifically worded so as not to acknowledge any debt.

Let us know the outcome please.

debthelp1

sourcrates said:

The prove-it letter should be sent first, as its specifically worded so as not to acknowledge any debt.

Let us know the outcome please.

Prove-it letter response from Lowell below. I am yet to receive anything from Cabot

Good afternoon,

Thank you for your email.

Responding to your query

 

Due to the age of the account we are unable to request any relevant documents from Vanquis. As such we made the decision to close the account. We hope you are satisfied with this resolution.

fatbelly

Chancers!!

sourcrates

There you go, got rid of them with one email.